The Auto Wise analysis does not require your Social Security number.
My Auto Wise
SMARTER FINANCING
BRIGHTER TOMORROWS
BRIGHTER TOMORROWS
Free Auto Loan Check • No SSN • No Auto Wise Credit Pull
Is your car payment taking too much out of your monthly budget?
See whether your current auto loan may deserve a closer look. Auto Wise reviews your payment, APR, balance, remaining term, vehicle value and refinance goal together so you can understand what may be driving the cost.
Find payment pressure before it gets worseNo SSN required for the Auto Wise checkNo Auto Wise credit pullFree VIN identification
01Tell Us the GoalLower payment, lower APR, improve cash flow, save interest or restructure the loan.
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02Enter the LoanPayment, APR, balance, months remaining and vehicle details.
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03Get the Free CheckSee which parts of the loan may deserve attention before you spend anything.
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04Choose Your Next StepStay with the free screening or unlock deeper analysis only if it is useful to you.
Free Auto Wise Check • Refinance First
Start with what you want your auto loan to do for you.
Most Auto Wise customers already have a vehicle loan. Tell us why you are considering refinancing—lower payment, lower APR, save interest, add or remove a borrower, access equity and more—and we'll make that goal part of the path into Full Analysis. Lease buyout and vehicle-purchase checks are available too.
1Your Goal
2Current Loan
3Vehicle & Equity
4Review My Options
Step 1 • Your Goal
Why are you considering refinancing?
Choose the outcome that matters most. Refinancing is not always about getting a lower rate—it is about getting the loan structure that fits what you are trying to accomplish.
Step 2 • Current Loan
Your Loan Today
Protections
Anything Added to the Loan?
Optional Documents
Have Your Contract? Add It Now — Optional.
You can complete the Free Check without uploading anything. Documents are useful later if you choose Expert Review or Concierge.
Expert Document Review 🔒 Free and $29 customers may securely attach documents to their account, but Auto Wise does not extract, interpret, summarize or expert-review them until Expert Review ($99) or Concierge ($249).
Auto Wise looks beyond rate. Your refinance goal, rate, payment, remaining term, equity estimate and protection products all matter.
Step 3 • Vehicle & Equity
Vehicle & Equity Profile
MARKET VALUELocked until Full Analysis
EQUITY / LTVMarket-based position
COMPARABLESProvider data when available
$29 Full Analysis
🔒 Estimated Retail Market ValueVIN + mileage + ZIP market pricing.$29 Full Analysis
🔒 Estimated Trade RangeIllustrative market-based range, not a guaranteed dealer bid.$29 Full Analysis
🔒 Comparable VehiclesSample comparable market listings when provider data is available.$29 Full Analysis
🔒 Market-Based LTV / EquityCompare the loan/deal position with market valuation.Your manual value is used for the Free Check only. Any paid market value is separately labeled as an estimate and never presented as an appraisal or guaranteed dealer offer.
Step 4 • Review My Options
See what Auto Wise finds before you choose a paid review.
Your Free Check is the first decision point. After your results, you can stop, save them, choose the $29 Full Analysis, or go directly to $99 Expert Review or $249 Concierge.
Prefer ongoing monitoring instead of a one-time review?
Explore Auto Loan Health →Auto Loan Health tracks balance, equity, LTV and refinance readiness for $9.99/month.
Built for a Private Financial Review
Understand your loan without turning the first step into a credit application.
Auto Wise is designed to give customers useful education and analysis while keeping the boundaries clear.
Checking your loan with Auto Wise is separate from any future lender application.
Customer cases are account-protected and uploaded documents are kept in private storage.
Paid Auto Wise services use Stripe-hosted payment checkout; Auto Wise does not store your card details.
Auto Wise provides educational vehicle-finance analysis and expert review. It is not a lender approval, loan offer, certified appraisal or guarantee of savings.